There are a few things that you need to know; some of these include having a clear understanding of how selling credit card processing works. This means that companies can deliver a seamless payments solution to their customers worldwide. Credocard is the industry leader for co-branded cards, Co branded prepaid cards, white label card programs, software and payment integration platforms and turnkey payment solutions. White label credit card processing is a game-changer for businesses looking to efficiently accept payments. Payment methods. Before we move towards the payment gateways for white label merchant services, let’s talk about the regular ones to ensure everyone reading this is on the same page. Full commerce. Complete development using our API Documentation and . From whirlwind growth to wild adventures, our journey was the stuff of legends. (the white-label. Tip: Due to the competitive nature of the credit card processing business, it is critical to ensure that your business stands out. Step 1 add your logo, change the colors and select the features you want to market with. Payment processing: 2. By offering a range of tools, such as credit card processing, mobile payments, and e-commerce systems, merchant services enable businesses to accept various forms of payment from their customers. Thousands of payment options. With this approach, businesses have the power to create a custom-branded payment experience that sets them apart from the competition. That's why we built our white label program. Moreover, by offering white-label payments solutions and selling credit card machines, businesses have the opportunity to solidify their position as a leading payment processing company. Offer a branded payment card to create great engagement and interaction with your customers. Start your full commerce journey Get started today. White Label Payment Gateway and Why Businesses Implement It; Paradigms. In this comprehensive guide, we'll uncover a range of proven strategies that will empower your. Credit card processing is a great way to expand your services to customers, and it comes with some real benefits for your business. Moreover, by offering white-label payments solutions and selling credit card machines, businesses have the opportunity to solidify their position as a leading payment processing company. Allied Specialty Co. Web Services Operational 90 days ago 100. If you work with a payment processor who provides white-label credit card processing services, your name goes on every piece of the. With this approach, businesses have the power to create a custom-branded payment experience that sets them apart from the competition. Merchant Account Setup: Assist in setting up. $10k. Thus, retailers or brands assign a third party. White-label our agent portal, MyPortfolio, and take advantage of the look and feel of an advanced marketing team without the added cost. Once you start providing white label payment processing services, you will also find that you build stronger, longer lasting relationships with your merchants. With this approach, businesses have the power to create a custom-branded payment experience that sets them apart from the competition. Card acquiring. In its non-physical form, a credit card represents a payment mechanism which facilitates both consumer and commercial business transactions, including purchases and cash advances. Cardstream is a high-performance Level 1 PCI: DSS-compliant white-label payment processing platform, adding value by offering all major credit card schemes and worldwide currencies. The end product appears as though it has been. These solutions offer. (Fattmerchant) Stax : Best for high-volume sellers. Take a look at this VIDEO to see how the platform can be branded in minutes. With this approach, businesses have the power to create a custom-branded payment experience that sets them apart from the competition. A full range of reports for acquirers based on card scheme raw files automatically converted into a human- and machine-readable format and loaded by schedule through local directories or SFTP. Build your brand, not someone else's. But that's not all, it offers an extensive range of features that can greatly benefit businesses in the long run. One of the biggest private-label card perks for customers is the loyalty program. Our White-Label App is a fully turnkey solution for companies that want to get to market faster,. The company offers ample processing products and services, including merchant cash advances, virtual terminals, POS equipment, check processing, credit card processing, and debit card processing. Tip: Due to the competitive nature of the credit card processing business, it is critical to ensure that your business stands out. The other option is Facebook advertising. Benefits of Leveraging White Label Payment Solutions . An eCommerce online shop is a gift from digital technology to brick-and-mortar store shopkeepers. $10k. At SMG, we've been making life easier for merchants since 2010. Usually, managing private label cards involves a lot of operational costs and compliance. If you're seeking ways to propel your credit card processing company to new heights, you've come to the right place. Talk with a member of our Integrated Partner Channel. Let’s create a strong future for you and your banking customers. Payment gateways are crucial for every business for credit card transaction processing. Because private credit cards are managed by banks or financial institutions, they offer exactly the. This will help you grow your credit card processing company and give you the capabilities to manage your merchant accounts seamlessly. 210+ countries. Private label credit cards are also sometimes called co-branded cards. Designed in partnership with Clay. Designed in partnership with Clay. Our vision is a new paradigm of commerce that simplifies the modern business model — driving smarter operations, enhancing security, and fostering effortless personal interaction between merchants and their customers. 24X7 availability through mail, chat and phone to help you to make your processing smooth. Moreover, by offering white-label payments solutions and selling credit card machines, businesses have the opportunity to solidify their position as a leading payment processing company. Generally, independent development can cost you from $300K to $700K or more, while opting for a white label solution can save you hundreds of thousands of dollars. All your digital payment services in one place. Leverage Adyen Acquiring to instantly fund your card program. The credit card processing industry is very dynamic, and the success of becoming a merchant services agent is both easy and hard. To start a merchant processing business, the first step is to find a white label credit card processing provider that specializes in merchant services affiliate programs. Acquiring globally for all MCCs – 40+ Credit Card acquiring banks and 240+ Alternative Payment Methods (Travel, Forex, Cryptocurrencies, ICOs, Wallets, Digital Entertainment, Gambling, etc. White label credit card processing is a game-changer for businesses looking to efficiently accept payments. With white-label merchant services solutions, merchants can effortlessly accept payments from major credit cards and. What is a white label card? Similar to the previous section, a white label card is a customized version of a regular plastic credit card that contains all of the necessary components necessary to operate a credit card processing facility. Make sure your white-label processing partner supports a range of payment methods and currencies for the end-user. If you're looking to start a payment processing company, white label merchant services can be your key to success. By leveraging white label credit card processing, companies can expand their reach and cater to a wider audience, ultimately driving growth and success. By choosing white label payment solutions, you are making an informed decision that will set your credit card processing company on a path to success. So before starting a credit card processing company it works fine. They'll begin to view you as a payments expert and an expert in the other solutions you provide. With so much commission at stake, you will truly feel like a partner in the Shaw Merchant Group business plan. 1. These services can include features such as payment processing. Our open API platform allows businesses to instantly issue cards and process payments. Designed to enable a wide range of modern payment solutions, the DECTA API offers precise control and full ownership of your white label card program. Merchant services play a crucial role in helping businesses navigate the world of digital payments and increase their sales. Once you start providing white label payment processing services, you will also find that you build stronger, longer lasting relationships with your merchants. White label card issuing One effective method of customer retention and interaction for the companies mentioned above is to become a debit or credit card issuer through a third party. With this approach, businesses have the power to create a custom-branded payment experience that sets them apart from the competition. A private label credit card is a type of credit card that is branded for a specific retailer or brand. CaaS providers will work diligently on payment card issues and offer a wide variety of features for card issuing, processing, and management, including underwriting, customer. We offer a risk-free, month-to-month service agreement with. Start a payment processing ISO, become a credit card processing company, and sign up for the best ISO agent program as a digital payments expert. View Software. 4. Leveraging white label credit card processing solutions is a game-changer for businesses in the competitive world of merchant services ISO. For example, you can personalize the payment experience with your own brand identity assets (logo, fonts, etc. Starting a credit card processing company can be a highly lucrative venture if you have a thorough understanding of the basics of the industry. They'll begin to view you as a payments expert and. By 2014, we evolved to deliver integrated, white label payments solutions to leading SaaS platforms. These features are designed to help. Credocard co. 1. 150+ currencies. The Best Credit Card Processing Companies Of 2023. Since eMerchant Broker deals in high-risk niches, they understand that chargebacks are going to be a major issue, which is why they work with. This white label solution requires extensive coding experience and takes some time to set up. Become a white label partner and you can receive up to 50% of net revenue. To break into the financial business and outfit clients with an easy to-use organization, you truly need to buy the fundamental establishment, get a license, and assemble a gathering of master experts, project bosses, and a displaying,. The “white label. Brand and launch your digital wallet—no lengthy development work. Once you start providing white label payment processing services, you will also find that you build stronger, longer lasting relationships with your merchants. Top credit card processing companies for small businesses include Square, Helcim, Stax, Stripe, Payment Depot, PaymentCloud, Shopify, Payline Data and others. In conclusion, starting your own credit card processing business with white-label payment solutions is a bold and lucrative venture that holds immense potential in today's fast-growing e-commerce industry. As a licensed. Growth. They'll begin to view you as a payments expert and. Having a white-label credit card boosts your credibility in the market. Say goodbye to. By utilizing data analysis and reporting tools,. You can also. With this approach, businesses have the power to create a custom-branded payment experience that sets them apart from the competition. AliExpress Dropshipping. Optimize cash flow the clever way. BIN Sponsorship Access to any VISA program. Building strong partnerships with banks and merchants, and staying abreast of evolving payment. They'll begin to view you as a payments expert and. The payment processor - the company that processes credit and debit card transactions for the merchant. Payment gateways are crucial for every business for credit card transaction processing. The best way to do this is to have a business network. PayPal: Best. The end-user, your customers, will only see your branding. As announced at the Apple Worldwide Developers. This strategic move not only ensures a swift and efficient setup process but also eliminates the need to construct a complex. You will also need to have deep knowledge of how credit cards work. With a prepaid debit card, cardholders can only spend up to the amount loaded on the card, so there’s no risk of racking up debt and interest payments. Quickly authorize various payment types including all major credit cards, signature debit. When the card is swiped against the machine, the payment is cut and sent through the. Merchant services have endless remunerative possibilities that make it a profit-making industry. Stripe’s white-label service can be more complex, but also provides more flexibility and customer support. Leveraging white label credit card processing solutions is a game-changer for businesses in the competitive world of merchant services ISO. Online customer support, statistical data analysis, risk control, and more — all features available on a single platform in real time! White-label card programs, branded payment cards, company mobile app and personalized. Card products are white-label branded for you, and card numbers are tokenized. S. To successfully sell credit card processing and make money in this industry, it is essential to start by comprehending the target market and its requirements. Launch your own international card program and take your brand global. This strategic move allows them to differentiate themselves from competitors and gain a competitive edge in the market. You can choose to launch your white-label cards with Visa, Mastercard, or UnionPay, set them up as prepaid or debit, and select physical or virtual options. White-label prepaid debit cards for business. Banks partner with retailers and brands to extend a revolving credit line to cardholders. It is similar to a regular credit card program, but it is branded with a company name or logo instead of the bank’s name. Starting a credit card processing company can be a highly lucrative venture if you have a thorough understanding of the basics of the industry. Put more efforts to stand out among your competitions. Process the payment with the Card Processing API by using the Create Wallet Order endpoint. As one of the best credit card processing ISO programs, the SMG ISO agent program has a history of competitive commissions, favorable pay structure, superior products, and sales support for ISO agent partners. Payment Gateway: A means of authorizing credit card or other forms of electronic payments. Put more efforts to stand out among your competitions. By offering an enhanced level of convenience and service, businesses. Leveraging white label credit card processing solutions is a game-changer for businesses in the competitive world of merchant services ISO. As your partner, we are committed to your success. See how Ivella built banking and card solutions to transform how couples share expenses. Send invoices for later payment, allow customers to add a tip, and turn your device’s camera into a barcode scanner. Your call. After starting a private-label credit card, establish the components of your loyalty program, such as promo boosts or new account bonuses. Leveraging white label credit card processing solutions is a game-changer for businesses in the competitive world of merchant services ISO. Get your business ready with all white labelled Payment Gateway . They'll begin to view you as a payments expert and. On an average, a consumer is willing to spend at least 18% more when they are using credit card than cash money. ) and even customize what services or features are available to customers. With this high volume of exchanges comes the appeal in credit exchange processors. 97 % uptime Today. Some of the other merchant benefits may even surprise you. As one of the best credit card processing ISO programs, the SMG ISO agent program has a history of competitive commissions, favorable pay structure, superior products, and sales support for ISO agent partners. White Label Program. They offer affordable merchant service packages. Reduce transaction fees. 2. Our BIN sponsorship services are supported by a full-featured card issuing API platform. The company offers ample processing products and services, including merchant cash advances, virtual terminals, POS equipment, check processing, credit card processing, and debit card processing. They'll begin to view you as a payments expert and. This earning s known as the residual income. Better still, you don't have to fall in line with another company's existing customer experience. Step 2: The seller’s credit card machine sends transaction details and the credit or debit card information to the seller’s bank (or acquiring bank) via phone or the. When you have the opportunity to sign up for a branded credit card at your favorite department store, it’s often a white-label credit card processing service. Fill out our partnership contact form. Launch your own international card program and take your brand global. Wallester’s white-label solution helps businesses to scale their product offerings and increase their client base by providing all-in-one card issuing, processing, and payment transaction solutions. Free POS Solutions: Best Point of Sale Systems. The concept of “white label” credit cards is based on a partnership between a bank and a company, with traditional banks developing and supervising the cards. This strategic move allows them to differentiate themselves from competitors and gain a competitive edge in the market. For SME owners, customer loyalty and employee perks are vital. Good (3. Credocard Co-Branded Cards Prepaid Credit cards and debit cards partnerships Co-Branded Card programs – Prepaid Debit Cards and Credit Cards. Here are the basic steps you need to take to start a credit card processing company: 1. ) and even customize what services or features are available to customers. And, it involves navigating complex regulations, securing funding, and crafting a compelling business strategy. According to research, on average, a minimum of $51,000 is needed to start a payment processing company. For this situation, the association that gives the payment innovation to ISVs, SaaS organizations, or. A credit card generally operates as a substitute for cash or a check and most often provides an unsecured revolving line of credit. Instant credit in bank account or UPI handle, send in bulk, create own flow with our APIs. As a result, they are looking for more flexible white label credit card processing offerings and gateway. Leveraging white label credit card processing solutions is a game-changer for businesses in the competitive world of merchant services ISO. 8 billion credit cards currently present in the market. By offering an enhanced level of convenience and service, businesses. Card issuing. The credit card processing industry is very dynamic, and the success of becoming a merchant services agent is both easy and hard. Tip: Due to the competitive nature of the credit card processing business, it is. It has all the features of a traditional payment gateway—e. About White Label Payment Processor – White-label payment handling alludes to the act of utilizing an outsider payment gateway as well as other payment innovation — completely marked as your own — to deal with payments. The Best Credit Card Processing Companies Of 2023. White label credit card processing services, also known as branded credit card processing. When you get a credit card from Wallester, you can rely on world-class security, reliability, and credibility from the very beginning. Credit card processing organizations are mindful in spanning between client payments and dealer administrations. Advanced settlement and batch management tools allow you to track all the transaction details and statuses. Includes prepaid. White Label and Credit Card Processor – White label credit cards are a kind of credit card gave by an untouchable money related foundation yet are set apart with the logo of a specific retailer or business. Optimize UX, minimize overhead, and maximize your margin with our payment platform. By choosing white label payment solutions, you are making an informed decision that will set your credit card processing company on a path to success. TheBanks. For example, you can perceive and deal with the credit. White-label payment solutions are an essential tool for aspiring credit card processing companies looking to establish themselves in the industry. In the simplest possible terms, white label processing means a company has the opportunity to provide payment processing services under its own name. Step 1: The cardholder can input the card number while purchasing online, tap, swipe, or insert the card into a seller’s credit card machine to pay for goods or services. A white-label product is a product or service produced by one company (the producer) that other companies. We'll explore the ins and outs. The best way to do this is to have a business network. With this approach, businesses have the power to create a custom-branded payment experience that sets them apart from the competition. Intercash is one of the world’s leading providers of global payment solutions, with a special focus on white-label card programs. Since eMerchant Broker deals in high-risk niches, they understand that chargebacks are going to be a major issue, which is why they work with. Leveraging white label credit card processing solutions is a game-changer for businesses in the competitive world of merchant services ISO. Mobile-Ready Auctions: Public auction pages are 100% mobile friendly. Prepaid cards work with major world. SMB Global: Best for international merchants. Obtain the necessary licenses and agreements. 0 % uptime Today. io To avoid payment processing fees, the business owner can use the white label credit card to collect payments directly from customers, eliminating the need for a third-party payment processing system. Merchant services are an essential component of modern business operations, providing businesses with a comprehensive suite of payment processing tools to seamlessly. Learn more about how to start a credit card processing company? The payment-processing industry can be merciless; however, it. 7% plus 5 cents for. Approaching investors. White Label and Credit Card Processor – White label credit cards are a sort of credit card gave by a distant cash related establishment yet are separate with the logo of a particular retailer or business. Meet EBANQ® - the most user friendly white-label online banking. The company offers ample processing products and services, including merchant cash advances, virtual terminals, POS equipment, check processing, credit card processing, and debit card processing. Once you start providing white label payment processing services, you will also find that you build stronger, longer lasting. Put more efforts to stand out among your competitions. White Label Payment Gateway. Complete development using our API Documentation and . This process is an essential activity in provider centers. Choosing the right white label credit card programs for your business requires careful consideration of your unique needs. Tip: Due to the competitive nature of the credit card processing business, it is critical to ensure that your business stands out. To start a credit card machine business and become a payment processor, establishing the necessary partnerships is a crucial step. White-label payment gateways allow these businesses to integrate a fully functional payment gateway that carries their branding, helping to enhance user experience and boost trust and loyalty. Debt Help White Label Program. The platform provider handles all aspects of the gift card program, including the creation, distribution, and management of digital and physical gift cards. You can choose from various payment processors that offer white-label checkout tools or open software for. Your EBANQ online banking system can be online in 24-48 hours with your own logo and design theme. If you're an independent sales organization (ISO) agent looking to boost your income and take your career to the next level, you've come to the right place. Ensure the parent payment processor adheres to these standards to safeguard your clients' transactions. With today's modified payment arrangement,Introduction – The commencement of a credit card processing organization is most certainly not a smooth endeavour. Your credit card processing services will involve offering the platform and equipment to facilitate the sending, approval, and processing of payments and transactions between customer’s bank accounts and your clients' bank accounts. --Splitit, the only white-label service allowing customers to pay by installments using their existing credit on their payment card, and Atlantic-Pacific. Due to the internet, small businesses and start-ups are no longer geographically confined. As a payment processing company, we confidently offer unparalleled support and maintenance for your white-label credit card processing solutions. For people interested in white label processing, Stripe is definitely a solid. Tip: Due to the competitive nature of the credit card processing business, it is critical to ensure that your business stands out. Design your best-fit solution, allowing you to operate effectively within an on-demand economy, launch your fintech startup, supercharge your neobank, or create cards for the travel industry. Understanding Credit Card Processing Basics . Our Program API provides the foundation for you to launch, scale and grow your white-label card issuing program. Understanding Credit Card Processing Basics . Hips White Label Payment Gateway is the next generation omnichannel payment gateway. It streamlines processes, eliminating the need for manual tasks like expense reporting and payroll management. In conclusion, white-label credit card processing solutions are the key to unlocking unparalleled opportunities for your merchant services ISO growth. You may see different combinations of variable and fixed fees, depending on whether the processor is primarily serving small. 5% and 25 cents per online or manually. Since eMerchant Broker deals in high-risk niches, they understand that chargebacks are going to be a major issue, which is why they work with Verifi. White label credit card processing is a game-changer for businesses looking to efficiently accept payments. Intercash is one of the world’s leading providers of global payment solutions, with a special focus on white-label card programs. This strategic move allows them to differentiate themselves from competitors and gain a competitive edge in the market. The answer lies in the robust capabilities of white-label credit card processing solutions, which empower you to generate substantial income and propel your business towards success. White-Label Payments: Registered DBA ISO/MSP Sales Agent Partnerships. With this approach, businesses have the power to create a custom-branded payment experience that sets them apart from the competition. White label credit cards are a sort of credit card gave by an outsider monetary establishment yet are marked with the logo of a particular retailer or business. Growth will continue through 2025 with private label credit card nominal purchase volume growing a total. Not all credit card processing is created equally, though. Private label credit cards are run in collaboration with banks or third-party financial institutions. The company also offers BIN sponsorship and all types of cards, including debit, credit, prepaid, consumer, and corporate cards. 7 Powerful Strategies to Boost Your Credit Card Processing Company 's Growth with White-Label Payment Processing Solutions. To make the concept more digestible, let’s figure out what its two parts mean: white label and payment service provider. A White Label Credit Card Programs is a type of credit card program that is offered to consumers by a financial institution. White Label Credit Solutions. Onboarding and managing multiple businesses present challenges beyond pure payment processing. Providing a range of bespoke, integrated card solutions to your customers in just 2 months*. White-Label Credit Card Processing: Registered ISO DBA Agent Partnerships Running a business gets more and more complicated every day. 99 % uptime Today. These services offer businesses a comprehensive payment processing solution that not only handles transactions but also provides the added benefit of customization. However, the benefits of a cash discount program don’t end there. Moreover, partnering with a branded credit card machine business not only provides businesses with the necessary equipment but also offers additional merchant services. The Ultimate Guide to Starting a Credit Card Processing Company: Costs, White Label Merchant Services, and Selling Payment Processing Services. The company offers ample processing products and services, including merchant cash advances, virtual terminals, POS equipment, check processing, credit card processing, and debit card processing. As one of the best credit card processing ISO programs, the SMG ISO agent program has a history of competitive commissions, favorable pay structure, superior products, and sales support for ISO agent partners. At Cardstream, we offer ample partnership opportunities from co-branding to a full white-label payment gateway. Marqeta is the world's first modern card issuing. Tip: Due to the competitive nature of the credit card processing business, it is critical to ensure that your business stands out. By offering an enhanced level of convenience and service, businesses. Innovative, flexible payments made for your business. Remember: white label payment processing enables you to earn huge residual income. A white label payment gateway is a response that grants you to relax payment processing administrations to your clients or those purchasing work and things under your own name or brand name. Our White Label Program Will Save You Thousands in Fees. In the simplest possible terms, white label processing means a company has the opportunity to provide payment processing services under its own name. After the payment processors get a match, the work on cash move from the clients to transporter monetary equilibriums. Additionally, you must consider the types of customers. We at Shaw Merchant Group have an awesome white label solution. By offering an enhanced level of convenience and service, businesses. Understanding the crucial role of payment processing in keeping your customers satisfied, we prioritize the reliability and stability of our services. Selling Payment Processing: Starting a Merchant Services Company SMG and its subsidiaries are committed to making it as easy as possible for you to grow your business through innovations in credit card processing, ecommerce, mobile payments, back-end business solutions, and more. With its seamless setup, it allows businesses to start accepting payments in no time. These cards are perfect for providing financial support in times of uncertainty and are crucial for any person’s or company’s financial planning. This strategic move allows them to differentiate themselves from competitors and gain a competitive edge in the market. Since eMerchant Broker deals in high-risk niches, they understand that chargebacks are going to be a major issue, which is why they work with Verifi. This way, you will be. Start innovating with Marqeta today. A white label business credit card is a type of credit card that is created by a financial institution and offered to businesses under their own branding. Launch financial services across 8+ countries using our modular cards-as-a-service platform and help banks enrich their balance sheet with global access to credit issuing. A private label credit card is a type of branded credit card that can only be used with a specific retailer or brand. Before we move towards the payment gateways for white label merchant services, let’s talk about the regular ones to ensure everyone reading this is on the same page. Streamline processing and increase revenues with our next-gen payment gateway. They'll begin to view you as a payments expert and. 9% on every transaction. Job Description: Customer support. Find out more. There are a few things that you need to know; some of these include having a clear understanding of how selling credit card processing works. To become a credit card processor and establish yourself as a credit card processing agent, the first step is to carefully select a reliable payment processor. Credit card processing is a data processing operation used in providing financial transactions. Plus, you can expand your services to international white label credit card processing as well. White-label payment gateway represents one of the alternative solutions that many of these companies are trying to “embrace”, understand, and implement. By implementing white label payment processing, businesses can ensure a secure transaction environment, instilling. With our customizable and feature-rich white label gateway, you can take control of your payment solutions, enhance your reputation, and boost your sales. Only pay us a processing fee to handle the clients behind the scenes and charge whatever price you like!. Interchange plus 0. Events Driving Growth and Success: Wallester's Affiliate Marketing Team Heads to Affiliate World Europe! White-label VISA card issuing company with global payment gateway. The Benefits of White Label Merchant Services. How a White Label ISO Program. With its seamless setup, it allows businesses to start accepting payments in no time. Flexible InnovationMoreover, by offering white-label payments solutions and selling credit card machines, businesses have the opportunity to solidify their position as a leading payment processing company. Global Card Program. Tip: Due to the competitive nature of the credit card processing business, it is critical to ensure that your business stands out. Benefits with unmatched agility to meet your ambitions. Run your own brand – focus on building your own presence and managing your merchants whilst we take care of the technical heavy-lifting in the background. In the US, most people gloss over payment processing because almost everyone has a credit card, Paypal account, or another simple way to pay. They'll begin to view you as a payments expert and. Once you start providing white label payment processing services, you will also find that you build stronger, longer lasting relationships with your merchants. The best way to do this is to have a business network. Learn more about how to become a credit card processor. After you are ready to start the veritable enrolment processA Co-branded credit card is a credit card that a retailer issues within a specific network.